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your question... if i read it right.... was the fact that you were hesitant about depositing money into an IRA and a 401k plan.... I found that you CAN deposit tax free into both an IRA and 401K simultaneously.... the difference being ( i have found) is that the 401K is figured immediately as you get paid and the IRA is deducted at the end of the tax year.... in my experience... i had deposits made to both with no problems or queries on my tax returns.....

I just wish i was younger and know what i know now as far as tax deferments and advantages.....

Good luck to you and i will bow to experience if there is someone that can give you better advice...
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